Net Income Analysis ( % relative to Total Revenue )
Income Statement Optima Bank & Trust Company All Insured Commercial Banks in New Hampshire
Interest and Fees on Loans 13,818 14,976
Income from Lease Financing Receivables — 0
17 203
Estimated Tax Benefit from Tax-Exempt Loan Income 9 101
Income on Loans and Leases (TE) 13,827 15,076
Investment Interest Income (TE) 399 1,330
Total Interest Income (TE) 14,433 16,673
Total Interest Expense 2,921 2,472
Net Interest Income (TE) 11,512 14,202
Non-Interest Income 2,070 1,630
Adjusted Operating Income (TE) 13,582 15,831
Non-interest Expense 9,822 11,576
Provision for Loan & Lease Losses 560 519
Pretax Operating Income (TE) 3,200 3,736
Pretax Net Operating Income (TE) 3,273 4,249
Applicable Income Taxes 1,163 1,505
Net Operating Income 2,101 2,544
Net Income 2,101 2,544
Cash Dividends Declared — 496
Retained Earnings 2,101 2,048